^Available to members who have acquired an & Home Loan after October 2015 or Simple Home Loan.

*100% of deposit balance is offset against the balance of the linked home loan.

# No longer available for sale.

Where any transaction account is overdrawn, interest will be charged on the overdrawn balance and will be calculated daily at 16.69% p.a. and charged to the account in accordance with the dates detailed above. All rates are subject to change without notice.​​​​​​

^SwiftSaver bonus interest rate eligible for accounts that deposit at least $10 each month and make no withdrawals

Way Cool Saver Account

Product Name

Tier

Rate
(Variable)

Interest Calculated

Interest Credited

Way Cool Saver

$0 - $4,999

1.25% p.a.

Daily balance

Last day of every month

Way Cool Saver

> $5,000

0.00% p.a.

Daily balance

Last day of every month

Donation Saver

Product Name

Tier

Rate
(Variable)

Interest Calculated

Interest Credited

Donation Saver

> $0

0.25% p.a.

Daily balance

Last day of every month

Charity Donation

> $0

1.25% p.a.

Annual average balance

End of Financial Year

CashSaver Account

Product Name

Tier

Rate
(Variable)

Interest Calculated

Interest Credited

CashSaver Account

$0 - $4,999

0.00% p.a.

Daily balance

Last day of every month

CashSaver Account

> $5,000

0.75% p.a.

Daily balance

Last day of every month

Where any transaction account is overdrawn, interest will be charged on the overdrawn balance and will be calculated daily at 16.69% p.a. and charged to the account in accordance with the dates detailed above. All rates are subject to change without notice.

Term Deposit - Money Maker

Term

$5,000 - $1,000,000

Interest Paid

2 months

1.55% p.a.

At maturity

3 months

1.80% p.a.

At maturity

4 months

1.85% p.a.

At maturity

5 months

1.80% p.a.

At maturity

6 months

1.80% p.a.

At maturity

7 months

1.75% p.a.

At maturity

8 months

1.75% p.a.

At maturity

9 months

1.75% p.a.

At maturity

10 months

1.75% p.a.

At maturity

11 months

1.75% p.a.

At maturity

Term Deposit - Regular Income

Term

$5,000 - $1,000,000

Interest Paid

12-35 months

1.60% p.a.

Monthly

12-35 months

1.65% p.a.

Quarterly

12-35 months

1.75% p.a.

Annually

36-60 months

1.70% p.a.

Monthly

36-60 months

1.75% p.a.

Quarterly

36-60 months

1.85% p.a.

Annually

& Retirement Term Deposit^

Term

$5,000 - $1,000,000

Interest Paid

3 months

1.85% p.a.

At maturity

Money Maker Term Deposit and & Retirement Term Deposit, interest on maturity, rate fixed for term of deposit. Member to determine term of deposit.

Regular Income Term Deposit, interest credited to savings or paid by cheque. Rate fixed for term of deposit.

For amounts under $5,000 please refer to the Hi Saver or SwiftSaver Account under savings accounts.

^To be eligible for the & Retirement Term Deposit, at least one account holder must hold a & Retirement Account.

All Term Deposits:

Interest will only be paid on funds invested for a minimum of 30 days. In the event of early termination of the term deposit, subject to the funds having been invested for the minimum period, interest will be calculated at the interest rate most recently published by the Reserve Bank of Australia on its website as being the “Cash Rate Target” at the time the investment is redeemed. If any interest has been paid prior to early redemption of a term deposit, any shortfall arising from the recalculation of interest in accordance with the previous paragraph will be deducted from the principal amount.

& Home Loan

Product Name

LVR

Rate
(Variable)

Comparison Rate

& Home Loan

< 90.00%

3.63% p.a.

3.63% p.a.

& Home Loan Intro Rate

Product Name

LVR

Rate

Comparison Rate

& Home Loan Intro Rate*

< 90.00%

3.15% p.a.

3.59% p.a.

*Available for a limited time, only for new owner occupier borrowings up to 90% of the property value. Minimum loan amount $150,000. Rate reverts to & Home Loan rate after 12 months (currently 3.63% p.a.)

Simple Home Loan

Product Name

LVR

Rate
(Variable)

Comparison Rate

Simple Home Loan

< 95.00%

3.83% p.a.

3.83% p.a.

& Investor Loan

Product Name

LVR

Rate
(Variable)

Comparison Rate

& Investor Loan (P&I Repayments)

< 90.00%

3.83% p.a.

3.86% p.a.

& Investor Loan (IO Repayments)

< 90.00%

4.03% p.a.

4.06% p.a.

Smooth Home Loan

Product Name

LVR

Rate
(Variable)

Comparison Rate

Smooth Home Loan

< 80.00%

4.28% p.a.

4.31% p.a.

Smooth Home Loan

> 80.00%

4.38% p.a.

4.41% p.a.

Easypay Home Loan

Product Name

Rate
(Variable)

Comparison Rate

Easypay Home Loan

4.78% p.a.

4.90% p.a.

Fixed Rate Home Loan - Owner Occupied

Product Name

LVR

Term

Rate
(Fixed)

Comparison Rate

Fixed Rate Home Loan

< 80.00%

1 Year

3.59% p.a.

4.34% p.a.

Fixed Rate Home Loan

> 80.00%

1 Year

3.69% p.a.

4.44% p.a.

Fixed Rate Home Loan

< 80.00%

2 Year

2.99% p.a.

4.17% p.a.

Fixed Rate Home Loan

> 80.00%

2 Year

3.09% p.a.

4.27% p.a.

Fixed Rate Home Loan

< 80.00%

3 Year

3.05% p.a.

4.08% p.a.

Fixed Rate Home Loan

> 80.00%

3 Year

3.15% p.a.

4.18% p.a.

Fixed Rate Home Loan

< 80.00%

4 Year

3.35% p.a.

4.09% p.a.

Fixed Rate Home Loan

> 80.00%

4 Year

3.45% p.a.

4.19% p.a.

Fixed Rate Home Loan

< 80.00%

5 Year

3.45% p.a.

4.06% p.a.

Fixed Rate Home Loan

> 80.00%

5 Year

3.55% p.a.

4.16% p.a.

Fixed Rate Home Loan - Investor

Product Name

LVR

Term

Rate
(Fixed)

Comparison Rate

Fixed Rate Home Loan

< 80.00%

1 Year

3.69% p.a.

4.35% p.a.

Fixed Rate Home Loan

> 80.00%

1 Year

3.79% p.a.

4.44% p.a.

Fixed Rate Home Loan

< 80.00%

2 Year

3.40% p.a.

4.24% p.a.

Fixed Rate Home Loan

> 80.00%

2 Year

3.50% p.a.

4.34% p.a.

Fixed Rate Home Loan

< 80.00%

3 Year

3.43% p.a.

4.18% p.a.

Fixed Rate Home Loan

> 80.00%

3 Year

3.53% p.a.

4.28% p.a.

Fixed Rate Home Loan

< 80.00%

4 Year

3.69% p.a.

4.20% p.a.

Fixed Rate Home Loan

> 80.00%

4 Year

3.79% p.a.

4.30% p.a.

Fixed Rate Home Loan

< 80.00%

5 Year

3.74% p.a.

4.18% p.a.

Fixed Rate Home Loan

> 80.00%

5 Year

3.84% p.a.

4.28% p.a.

Equity Access

Product Name

Rate
(Variable)

Comparison Rate

Equity Access

5.28% p.a.

n/a

Easy Living Home Loan

Product Name

Rate
(Variable)

Comparison Rate

Easy Living Home Loan

5.81% p.a.

5.91% p.a.

Bridging Loan

Product Name

Rate
(Variable)

Comparison Rate

Bridging Home Loan

5.68% p.a.

5.80% p.a.

Business Loan#

Product Name

Rate
(Variable)

Comparison Rate

Business Loan

4.93% p.a.

n/a

Dream Home Loan#

Product Name

Tier

Rate
(Variable)

Comparison Rate

Dream Home Loan

> $0

4.37% p.a.

4.49% p.a.

Easypay Plus Equity Access#

Product Name

Tier

Rate
(Variable)

Comparison Rate

Easypay Plus Equity Access

$150,000 - $499,999

4.78% p.a.

n/a

Easypay Plus Equity Access

> $500,000

4.68% p.a.

n/a

Easypay Plus Home Loan#

Product Name

LVR

Tier

Rate
(Variable)

Comparison Rate

Easypay Plus Home Loan

< 80.00%

$150,000 - $499,999

4.13% p.a.

4.47% p.a.

Easypay Plus Home Loan

> 80.00%

$150,000 - $499,999

4.28% p.a.

4.62% p.a.

Easypay Plus Home Loan

< 80.00%

> $500,000

4.03% p.a.

4.37% p.a.

Easypay Plus Home Loan

> 80.00%

> $500,000

4.18% p.a.

4.52% p.a.

Easypay Plus Home Loan

< 80.00%

> $750,000

3.93% p.a.

4.27% p.a.

#No longer available for sale

Comparison rate based on a loan of $150,000 for a term of 25 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Secured Personal Loan

Product Name

Rate
(Variable)

Comparison Rate

Secured Personal Loan

6.81% p.a.

7.80% p.a.

Unsecured Personal Loan

Product Name

Rate
(Variable)

Comparison Rate

Unsecured Personal Loan

12.82% p.a.

13.77% p.a.

Easypay Personal Loan^

Product Name

Rate
(Variable)

Comparison Rate

Easypay Personal Loan - Secured

7.95% p.a.

8.88% p.a.

Easypay Personal Loan - Unsecured

13.00% p.a.

13.90% p.a.

Easypay Plus Personal Loan^

Product Name

Rate
(Variable)

Comparison Rate

Easypay Plus Personal Loan - Secured

7.45% p.a.

7.45% p.a.

Easypay Plus Personal Loan - Unsecured

7.45% p.a.

7.45% p.a.

^No longer available for sale

Comparison rate is calculated based on $30,000 over 5 years for secured and unsecured loans. Warning: The comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. You can view the Personal Loan Comparison Rate Schedule or request a copy from any P&N Bank Branch.

P&N Bank Visa Classic

Product Name

Purchase Rate (Variable)

Cash Advance Rate (Variable)

Balance Transfer Rate (Variable)

P&N Bank Visa Classic

11.31% p.a.

19.99% p.a.

11.31% p.a.

P&N Bank Visa Platinum

Product Name

Purchase Rate (Variable)

Cash Advance Rate (Variable)

Balance Transfer Rate (Variable)

P&N Bank Visa Platinum

11.31% p.a.

19.99% p.a.

11.31% p.a.

& Visa Platinum^

Product Name

Purchase Rate (Variable)

Cash Advance Rate (Variable)

Balance Transfer Rate (Variable)

& Visa Platinum

3.63% p.a.

19.99% p.a.

3.63% p.a.

Simple Visa Credit Card^

Product Name

Purchase Rate (Variable)

Cash Advance Rate (Variable)

Balance Transfer Rate (Variable)

Simple Visa Credit Card

3.83% p.a.

19.99% p.a.

3.83% p.a.

Easypay Visa Credit Card#

Product Name

Purchase Rate

Cash Advance Rate

Balance Transfer Rate

Easypay VISA Credit Card

11.31% p.a.

11.31% p.a.

n/a

Easypay Plus VISA Credit Card#

Product Name

Purchase Rate

Cash Advance Rate

Balance Transfer Rate

Easypay Plus VISA Credit Card

11.31% p.a.

11.31% p.a.

n/a

Easypay Plus Platinum VISA Credit Card#

Product Name

Purchase Rate

Cash Advance Rate

Balance Transfer Rate

Easypay Plus Platinum VISA Credit Card

11.31% p.a.

11.31% p.a.

n/a

P&N Bank Platinum Visa#

Product Name

Purchase Rate

Cash Advance Rate

Balance Transfer Rate

P&N Bank Platinum VISA Credit Card

11.31% p.a.

11.31% p.a.

n/a

^Available to members who have acquired an & Home Loan after October 2015 or Simple Home Loan.